The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,190
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$954/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$34,036
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$914/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,229
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$1,145/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,304
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,096/mo
Today · 4.125%
HK$42,481
baseline
▲ 0.50% · 4.625%
HK$44,721
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,962/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,267
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,581
−HK$1,336/mo
Today · 4.125%
HK$44,917
baseline
▲ 0.50% · 4.625%
HK$47,650
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,834/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,021
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,282
−HK$1,280/mo
Today · 4.125%
HK$49,562
baseline
▲ 0.50% · 4.625%
HK$52,174
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,124/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,033
−HK$1,718/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,645/mo
Today · 4.125%
HK$63,722
baseline
▲ 0.50% · 4.625%
HK$67,081
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,444/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,498 · Scale 2, in force from 26 Feb 2026)